There comes a time in everyone’s life when they wake up from the financial nightmare that they’re in, and realize something needs to give.  Whether it’s the realization that credit cards aren’t free money, or ever-growing car loans, or a mortgage reset catastrophe – most of us have been there.

Congratulations, that’s the first step to recovery

Realizing you have a problem is good, very good in fact.  But it’s not nearly enough.  Next is figuring out how to fix your finances.  Credit card debt crushing you?  You know you have to cut them up, burn the pieces, flush the ashes down the toilet, and cancel the cards.  You know that.  But why aren’t you doing it? 

Identifying the problem and figuring out a solution will not solve a problem.  You have to change – change the way you do things, change the way you act with regards to money.  Only through change and a commitment to change will you come to a better financial place.  Change is far from easy, but it’s the only way to get where you want to be.  Stop making excuses, stop procrastinating.  Look at your finances, and make the changes you need to, so you can get where you want to be.